The best area for mortgage affordability is West Dunbartonshire. it was named this by the Scottish Housing News. Research from the Bank of Scotland has put out the numbers and it appears to be true. There have been many improvements in the whole country and this means good things for many people who want to own a home.

Key Takeaways:

• Despite average Scottish house prices growing by 9% in the past year, mortgage affordability in Q4 2016 rose only marginally from a year earlier, rising from 19.4% to 19.8%.
• Mortgage payments as a proportion of average earnings have fallen by at least 15% in 21 areas. East Dunbartonshire has seen the smallest change in mortgage affordability since 2007, falling 12.8% during that time.
• The proportion of disposable earnings devoted to mortgage payments by a first-time buyer in Scotland stood at 23% in 2016 Quarter 3; this is below the long-term average of 27%.

“The proportion of disposable earnings devoted to mortgage payments by a first-time buyer in Scotland stood at 23% in 2016 Quarter 3; this is below the long-term average of 27%. This is a substantial improvement since 2007, when this figure reached a peak of 36%.”

https://www.scottishhousingnews.com/13767/west-dunbartonshire-named-uks-most-best-area-for-mortgage-affordability/